{"id":4026,"date":"2023-03-08T15:47:59","date_gmt":"2023-03-08T14:47:59","guid":{"rendered":"https:\/\/jaimehernandezperez.es\/frequently-asked-questions\/"},"modified":"2024-05-09T10:55:58","modified_gmt":"2024-05-09T08:55:58","slug":"frequently-asked-questions","status":"publish","type":"page","link":"https:\/\/jaimehernandezperez.es\/en\/frequently-asked-questions\/","title":{"rendered":"Frequently Asked Questions"},"content":{"rendered":"\t\t
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Frequently Asked Questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow much does the Mortgage Accompaniment service cost?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

The price is 4,950 euros for mortgages under 500,000 euros<\/span>.. From this amount, the fees will be a percentage of the value of the contracted mortgage, never exceeding 5%.<\/span><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat is included in the Mortgage Accompaniment service? <\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t
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  1. Contact via wasap, mail and telephone with me during the whole time of the purchase, both during office hours and outside to resolve all the doubts you have, feel that you are accompanied and be informed of the whole process.<\/li>\n
  2. Explanation of all the details to take into account in the purchase of a home, you will have the keys to make sure that the documents are well to avoid surprises with contracts and banks. Understanding everything from the beginning, there are no surprises.<\/li>\n
  3. Detailed explanation of the mortgage before starting the search to lay the groundwork for what your mortgage may look like and to get a first idea of the road ahead.<\/li>\n
  4. Review of the reservation and earnest money contract, so that the clauses can be easily understood and valued. By understanding and negotiating these types of contracts, we make your home purchase much healthier.<\/li>\n
  5. I liaise with the sellers or with the real estate agency to save you work.<\/li>\n
  6. Mortgage search, presentation of mortgage simulations, detailed explanation of all the features presented, so you can have the best mortgage that suits your situation.<\/li>\n
  7. Accompaniment in the appraisal that will allow you to get the desired value and be able to buy the house you want.<\/li>\n
  8. Presentation to the manager of the bank, including a visit to the office that will allow you to have the person’s data in the bank and to have it as a reference for any type of consultation or doubt that may arise once you sign the mortgage.<\/li>\n
  9. Signature preparation, so that you do not have to deal with the bank, the agency and the notary in the preparation of all the documents related to the purchase of your home.<\/li>\n
  10. Reading and understanding the binding offer, so you can have peace of mind that what  signs is really what has been agreed and  we have negotiated.<\/li>\n
  11. Contact with the notary and notary’s office to reserve a time for the day of the signing and the transparency act.<\/li>\n
  12. Accompaniment on the day of signing the purchase and mortgage before the notary, so that you feel confident that in case of any unforeseen event I will be at your side to solve it.<\/li>\n
  13. Post-purchase meeting to check absolutely everything and go over all charges and questions that have been left  pending.<\/li>\n
  14. In case of any questions after the purchase, we will keep in touch, because it is easy that after a few months you may have some questions about your mortgage or your home.<\/li>\n<\/ol>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhen and how are mortgage fees paid?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

    Once we decide to go together in your mortgage and home purchase I will make you sign a collaboration contract, at that moment the deposit of 300 euros is made.<\/p>\n

    The rest of the money to complete the agreed amount  is paid on the day of signing your purchase via bank transfer.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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    \n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tIn which cases will I pay more than 4,950 euros?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

    You will pay more than 4,950 euros when your first home purchase mortgage exceeds 500,000 euros, being then a percentage of the contracted mortgage value.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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    \n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tIn which cases will I pay less than 4,950 euros?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

    Only in mortgages of less than 99,000 euros the payment of fees will be lower and will be set at an amount of 5% of the mortgage value.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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    \n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tIs the deposit of 300 euros returned in the event that I do not buy for any reason? <\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

    No, the deposit will not be returned under any circumstances.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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    \n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tIf I don't end up buying, do I have to pay the fees?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

    If you do not buy, your expense will have been the deposit (300 euros). You will not have to pay the rest of the money under any circumstances.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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    \n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tI want to have my mortgage looked at by different mortgage companies and brokers, do you work on an exclusive basis?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

    Yes, in my contract there is an exclusivity clause in which I express that from the moment of signing I will charge the fees on the day of purchase regardless of the work done.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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    \n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow can I identify a mortgage broker registered with the Bank of Spain? <\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

    All credit intermediaries must be registered in the Bank of Spain’s Registry of Real Estate Credit Intermediaries, each with a different coding number. Mine is D184, as a real estate credit intermediary, in accordance with the provisions of Article 27 et seq. of Law 5\/2019, of March 15, 2009, regulating real estate credit agreements.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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    \n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tDo mortgage brokers charge commissions from banks? <\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

    Yes, and for me it is important to show the banks that pay me a commission, that is why in the mortgage simulations and when we make the comparison I will point out the banks that pay me a commission.<\/p>\n

    Not all entities pay and do not pay the same.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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    \n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow long does the purchase and mortgage process take? <\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

    From the moment a deposit contract is signed the mortgage process usually lasts between 2 and 3 months, being advisable to put in the deposit a duration of three months in case there are any unforeseen events and not have to go drowning with the dates. If a mortgage is for 25 or 30 years, do you think it is necessary to run or is it better to go at a good pace and make the right decisions?<\/p>\n

    Not all entities pay and do not pay the same.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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    \n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tIs the payment of the appraisal included in the mortgage accompaniment? <\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

    No, in no case will the payment of the appraisal be made, it is an expense that you will have to assume as the buyer.<\/p><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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    \n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWho will benefit the most from the Mortgage Accompaniment service?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

    Anyone buying in Spain will take full advantage of the service.<\/p>\n

    It can be of great help to anyone who is buying a home and has never signed a mortgage before.<\/p>\n

    Those who prefer time to money, I put my time and experience and your share is money. Money can be created, time cannot, which is why it is so valuable for people who value time more than money.<\/p>\n

    Also to those who, even though they signed a mortgage, were not satisfied with the deal or with what they got (there are times when one does not know how to recognize it but has a bad mortgage).<\/p>\n

    People who took out mortgages with another broker and were left with nothing.<\/p>\n

    All those people with office working hours who find it very difficult to meet with banks.<\/p>\n

    Those who want to be accompanied by a person prepared with financial knowledge to see the smallest detail of a mortgage.<\/p>\n

    People who want to receive all the information at home, calmly, and then choose the best option.<\/p>\n

    The one who doesn’t settle for just any mortgage and wants the best one that fits his numbers.<\/p>\n

    Those people who talk about buying a home and taking out a mortgage and have doubts.<\/p>\n

    People who prefer to be accompanied in the important economic moments of their lives.<\/p>\n

    Individuals who would like to give themselves the opportunity to hire a knowledgeable buyer and mortgage broker to handle the entire process.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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    \n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tAnd which people will not take advantage of the Mortgage Accompaniment service?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

    I am not your mortgage broker:<\/p>\n